Accept M-Pesa and Airtel Money Payments in Kenya
Let customers across Kenya pay you with M-Pesa and Airtel Money—through Payment Links, online Checkout, invoices or the KeyBS Pay mobile-money API.
Built for verified businesses collecting customer payments in Kenya.
How can a business accept payments in Kenya?
A verified business can use KeyBS Pay Africa Collections to accept customer payments in Kenya through M-Pesa and Airtel Money. Businesses collect through Payment Links, online Checkout, invoices or API integration, subject to eligibility.
Payment overview
How Customers Pay in Kenya
Kenya is the country that made mobile money mainstream. Customers pay for almost everything through M-Pesa, with Airtel Money a strong second, and they expect a familiar prompt-and-PIN flow at checkout. For Nairobi technology firms, online sellers and logistics companies, mobile-money collection is the default.
KeyBS Pay Africa Collections lets verified Kenyan businesses request M-Pesa and Airtel Money payments and reconcile them from one dashboard—through links, Checkout, invoices or a direct API integration.
Customer payment behaviour
Kenyan customers pay by mobile money almost reflexively, confirming with a wallet PIN prompt. Businesses value fast, reference-matched settlement and real-time status. Cards play a limited role for everyday local commerce.
Available methods
Verified Payment Methods in Kenya
These are the customer-facing payment methods currently offered for Kenya collections. Availability depends on the payer and eligibility.
M-Pesa
Mobile MoneyAirtel Money
Mobile MoneyAvailability, limits and settlement depend on the payer’s network, your business category and compliance eligibility. Currency and live routes are confirmed during onboarding.
Pictorial demonstration
See How a Kenya Payment Is Completed
Follow a customer paying with M-Pesa — from request to a confirmed collection in your dashboard.
- 1
Business creates a payment request
Amount KES 128,900 · Kenya
- 2
Customer opens the Payment Link
Customer selects M-Pesa
- 3
Customer authorises the payment
Enter M-Pesa PIN
- 4
Status updates in the dashboard
KE••••3159 · Successful
Pending
Illustrative · demo data
Built for local business
Made for How Kenya Businesses Get Paid
Technology & SaaS
Accept M-Pesa for subscriptions and one-off payments through the API and hosted Checkout.
E-Commerce
Give shoppers the mobile-money prompt they expect and reduce abandoned carts.
Logistics & Delivery
Collect delivery and service fees on the spot with a Payment Link.
Tourism & Hospitality (B2B)
Take deposits and service payments from business clients through familiar wallets.
Education & Professional Services
Invoice tuition, registration and professional fees with mobile-money payment built in.
Ways to collect
Collect Kenya Payments Through Every Channel
Invoice Payments
API Collections
POST /v1/collections
{ "amount": 128900, "ccy": "KES",
"country": "kenya" }
200 OK · webhook: succeeded
Your dashboard
Track Kenya Collections in One Place
2
Methods
4
Channels
KES
Currency
Recent collections
KE••••3159
M-Pesa
KES 128,900
Successful
KE••••8820
Airtel Money
KES 9,400
Processing
KE••••4471
M-Pesa
KES 42,300
Successful
KE••••6012
Airtel Money
KES 3,750
Pending
Illustrative · demo data
Illustrative payment-method mix · Kenya
Illustrative · demo data. Currency and payment-method availability is subject to eligibility and live route confirmation.
One ecosystem
Connect Kenya Collections with Your Wider Payments
Subject to settlement, eligibility and applicable controls, businesses can connect available balances with supported KeyBS Pay services.
Questions
Kenya Payment FAQs
How can businesses accept payments in Kenya?
A verified business can use KeyBS Pay Africa Collections to accept customer payments in Kenya through M-Pesa and Airtel Money. Businesses collect through Payment Links, online Checkout, invoices or API integration, subject to eligibility.
Which payment methods are supported in Kenya?
KeyBS Pay Africa Collections supports M-Pesa and Airtel Money in Kenya for eligible businesses. Availability depends on the payer, your business category and compliance eligibility.
Can businesses accept mobile money in Kenya?
Yes. Eligible businesses can accept supported mobile money in Kenya, including M-Pesa, Airtel Money.
Can customers pay through bank transfer or EFT in Kenya?
In Kenya, the supported methods are M-Pesa and Airtel Money. Bank-transfer availability differs by market and eligibility.
Can businesses create Payment Links in Kenya?
Yes. Verified Kenyan businesses can create Payment Links and share them by WhatsApp, email, SMS or social media so customers pay with M-Pesa or another supported method.
Is online Checkout available in Kenya?
Yes. Eligible Kenyan businesses can add KeyBS Pay Checkout to a website or app to present supported Kenya payment methods to customers.
Is API integration available in Kenya?
Yes. Eligible businesses can integrate supported Kenya collection methods into their platform through the KeyBS Pay API.
What businesses can use KeyBS Pay Africa Collections in Kenya?
The service is designed for verified businesses in Kenya — for example Nairobi tech startups, online retailers, logistics and delivery companies, education providers and professional-services firms. Individuals are not eligible.
What verification is required to collect payments in Kenya?
Business verification (KYB) must be completed before collection services are activated. Requirements depend on your business type and activity.
Are all payment methods available to every business in Kenya?
No. Availability depends on the payer’s network or bank, currency, device, transaction amount, business activity and compliance eligibility.
Can businesses track collections in Kenya?
Yes. Businesses monitor payment references, transaction details and statuses for Kenya collections through the KeyBS Pay dashboard.
How does a business get started in Kenya?
Create a KeyBS Pay business account or speak with the team to confirm the Kenya payment methods, eligibility and any live route requirements for your business.
More markets
Explore Africa Collections in Other Markets
Start Accepting Payments in Kenya
Start accepting M-Pesa payments in Kenya—talk to our team.
KeyBS Pay Africa Collections is designed for verified businesses.
Payment-method availability depends on the payer’s country, currency, device, transaction amount, business category and compliance eligibility. Services are provided through KeyBS Pay and its regulated payment partners.
KeyBS Pay is the public-facing brand of KeyBS Finance LLC (Missoula, Montana, USA), the primary legal entity. Services are provided through KeyBS Pay and its regulated payment partners.
East Africa · Last reviewed: September 2026